Portfolio Risk Officer For Pooling

UnionBank; Pasig; On-site; PHP 600,000 - 900,000; Full time

Job summary

UnionBank is seeking a Portfolio Risk Officer in Ortigas, Pasig City. The role focuses on managing credit risk across Consumer Secured loans (Auto and Housing) and SME portfolios with a strong emphasis on analytics, policy development, and cross-functional collaboration.

The position involves risk assessments, stress testing, and ongoing reporting to identify emerging risks and improve portfolio performance.

Qualifications

• Minimum 5 years of experience in risk management.
• Knowledge of R, SAS and other programming languages.
• Excellent analytical and communication skills.
• Proactive and self-driven.

Responsibilities

• Portfolio risk management across Consumer Secured and SME portfolios; perform risk assessments and identify trends.
• Develop and enhance portfolio risk reports; present findings to risk teams and business units.
• Contribute to policy and process development for credit risk controls and portfolio management.
• Lead or participate in specific risk-related projects and initiatives.
• Conduct stress testing on portfolios and provide risk mitigation insights.
• Establish performance benchmarks to detect portfolio deterioration.
• Review processes to improve efficiency and reduce credit losses.
• Apply guidelines to resolve issues and suggest policy improvements.
• Collaborate with cross-functional teams to implement risk recommendations.

Skills

Risk management

Analytical skills

Communication

Self-driven

Tools

R

SAS

Job description

Job Description:

Job Title:

Portfolio Risk Officer

Location:

UB Plaza, Ortigas, Pasig City

Employment Type:

Probationary

About The Role

The Portfolio Risk Officer plays a critical role in managing and mitigating credit risk across the Consumer Secured (Auto and Housing loans) and SME portfolio. This role involves deep analytical work, policy development, and cross-functional collaboration to ensure the health and performance of the portfolio.

What You’ll Do

• Portfolio Risk Management - Possesses in-depth knowledge of the end-to-end credit risk lifecycle, with a focus on portfolio risk for Consumer Secured products. Performs routine and complex risk assessments to identify emerging issues and trends.
• Reporting & Analytics - Develops and enhances portfolio risk reports to identify potential credit risks, analyze trends, and recommend actionable strategies to improve portfolio performance. Presents findings to internal Risk teams and supported business units.
• Policy & Process Development - Involve in the development and periodic review of credit policies, processes, and controls related to portfolio and account management, ensuring alignment with regulatory standards and business objectives.
• Project Leadership - May involve to specific projects or initiatives within broader risk management programs. Accountable for the execution and delivery of ongoing risk-related activities.
• Stress Testing & Risk Mitigation - Conducts stress testing on portfolios and provides retail risk expertise to proactively mitigate potential losses.
• Performance Benchmarking - Establishes benchmarks to monitor performing and non-performing segments, enabling early detection of portfolio deterioration.
• Process Improvement - Regularly reviews existing work processes and practices to enhance operational efficiency and reduce credit losses.
• Policy Enhancement - Applies prescribed guidelines and policies to resolve issues, while proactively identifying opportunities for process and policy improvements.
• Cross-Functional Engagement - Collaborates effectively with cross-functional teams, providing strategic guidance on the execution of risk recommendations and initiatives.

What We’re Looking For

• With at least 5 years experience in Risk Management is preferred
• Knowledgeable in R, SAS, other programming languages. with working experience is preferred

Required Skills

• Satisfactory oral, written and presentation communication skills needed to coordinate with customers and various units in the Bank
• Satisfactory analytical and technical skills required
• Proactive and self-driven